Credit Reporting Agencies
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Complaints
This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 13,857 total complaints in the last 3 years.
- 3,189 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I SUBMITTED A DISPUTE FOR THIS ACCOUNT FEBRUARY 14, 2023 AND EXPERIAN DID NOT CONDUCT AN INVESTIGATION; NOR EVEN PROCESS MY DISPUTE. I HAVE FILED A COMPLAINT WITH THE **** AND EXPERIAN HAS STALLED ON RESPONDING TO THEM AS WELL. ATTACHED IS MY DISPUTE SUBMITTED AND OTHER SUPPORTING DOCUMENTSBusiness Response
Date: 03/10/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.
For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. Box ****, *****,** 75013.
For information related to fraud,please visit our website at: ******************************************************.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm writing personally. This demand has no third party.I've warned you before about unfair practices. You verified accounts without contacting me. Banks Your unfairness undermines the system's fair and accurate customer reports.I'm misquoted without my consent. Your organization didn't notify me of these inconsistencies during your initial investigation.I'm telling you that I've been wronged, which has made me distrust your company. Because of that, I won't extend my credit and won't let you store my information in your company's database if this information isn't erased.Your company's mistake tarnished my reputation.Your company assumed that was accurate without my, the consumer's, or a competent court's consent. You didn't initially research this. You believed this. AGAIN. You cannot assume for me or assume this information is valid.You didn't verify this information. I wasn't asked about this transaction. ******* was violated.In your initial inquiry, you never gave me the chance to dispute this material was mine before you put it on my report.I demand compensation for the harm your organization caused me by reporting incorrect information and that efforts are made to prevent *********** Credit Reporting Act violations (15 USC ****). I need written confirmation.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This Account is in Violation Of 15 U.S Code **** a (4) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report 15 U.S.C **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2, states a consumer reporting agency cannot furnish an account without my written instructions. These accounts are in violation. The law you are violating is clearly here. The civil liability law which i will *** under is clearly here.. 15 U.S. Code **** (a)(4) - Congressional findings and statement of purpose (Consumer Right to Privacy) (a)Accuracy and fairness of credit reportingThe Congress makes the following findings: (4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code ****n - Civil liability for willful noncompliance (a)In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 15 U.S. Code ****o Civil liability for negligent noncompliance-(a)In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. Under 15 US Code ****a(4) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the *************************************************************** Better Business Bureau, and ************************* 1. Chapter 13 Bankruptcy Case Number: 1804696-DSP-02/23 Please remove it from my credit report.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.
For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. Box ****, *****,** 75013.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsCustomer Answer
Date: 03/09/2023
please make sure to return your results within the allotted time frame. ThanksBusiness Response
Date: 03/15/2023
Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.
For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. Box ****, *****,** 75013.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Hello my name is *********************** and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request. Please meet my demands within 4 business days. Thank you for your timely compliance.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm writing to you personally. No third party is involved in this demand.THIS IS ALSO MY FIRST NOTICE OF SUCH UNFAIR PRACTICES. Without contacting me, you verified these accounts. You're not fair, and the financial system relies on fair and accurate customer reporting. I now have incorrect ********************** reported without my knowledge. Your organization did not inform me during your original investigation that these inconsistencies will be revealed.I'm letting you know that I was a victim of error and lost trust in your company's methods. I am notifying you that I will no longer extend my credit and will no longer enable you to record my information in your company database if this information is not removed.Your company's error harmed my reputation and damaged my credit.Your company assumed that was accurate, but I, the consumer, or a competent court of jurisdiction never gave consent. So not only did you fail to investigate this information first. You assumed this role and assumed this information was correct. That's another offense. You can't make assumptions for me.You failed to verify this information and exercised your obligation fairly. You took one side of the story and never contacted me to confirm this transaction. This infringed my right to privacy and compromised my private.Before you put this on my report, you didn't let me refute it was my.I will demand reimbursement for the harm your organization caused me by reporting incorrect information, as well as measures to prevent *********** Credit Reporting Act (15 USC ****) violations. I also need a documented confirmation of your compliance.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.
Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am no liable for this debt with Sprint and do not have a contract with Convergent Outsourcing Account # ********. They did not provide me with the original application like I asked.I am not liable for this debt *******/Fingerhut Fres Account # **************** and do not have a contract with *******/Fingerh. They did not provide me with the original application like I asked.I have NEVER lived at or occupied address *************************************************. I have contacted Experian alot of times over the years about disputing this address as it is a fraudulent address and they told me that I can't dispute it because it is tied to both these accounts. I have sent Experian lease agreements, utility bills, my Drivers License showing that at the time of these accounts that i lived at my current address *************************************************. I have lived here since 2016. These accounts are fraudulent and the address is fraudulent and i have sent a lot of proof and still they ignore my request to permanently delete this address and the 2 above accounts. This is not fair to me at all. I have even filed a reports with the **** and *** for identity Theft. I went to ********* Police Station to file an identity theft report only to be told that I would need to file a report with the *** because the amounts of the fraud is too low. I have filed a Miscellaneous Incident Report with the ******************* in reference to this matter and how nobody can help me.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.
For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at ****************************** 75013.
For information related to fraud,please visit our website at: ******************************************************.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ACCOUNT NAME: ACCT#BARCLAYS BANK DELAWARE, #****** ************ #****** ************ ****** CITI CARDS/CITIBANK, ****** FSB BLAZE, ****** GRAIN TECHNOLOGY **** ****** KOHLS/******, ****** OPENSKY CBNK, ****** TBOM/MILESTONE, ****** *******/**********, ****** ***********************, 528XXX AFFIRM **** BCXXXX AFFIRM **** IJXEXXXX POSSIBLE FINANCIAL ***** 50FZA6 I.C. SYSTEM, **** 146149XXX **************** **** 37XXXX ************************* **** OF EDUCATION/NELNET, ****** *************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND.This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported.I'm letting you know that I've been a victim of error, which has made me distrust your company's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company's database.I lost my reputation and credit due to your company's mistake.Your company assumed that was accurate information without my, the consumer's, or a competent court's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CANNOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID.You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights.In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report.I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act (15 USC ****). I also require a written confirmation.I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt.Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.
Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Dear Better Business Bureau,I am writing to you to express my concern regarding the Fair Credit Reporting Act (FCRA) violation by Experian, Transunion, and Equifax. As per 15 U.S.C **** Section 602 A, I have the right to privacy, and I strongly believe that these credit reporting agencies have violated my rights by publishing certain accounts in my credit report.Specifically, I would like to draw your attention to 15 U.S.C **** Section 604 A Section 2, which states that a consumer reporting agency cannot furnish an account without my written instructions. However, the following accounts have been reported without my written permission:Account Name: AMERICAN REVENUE MGT, Account Number: ****** Account Name: ********************** COLLECTION SERVIC, Account Number: ******** Account Name: ENHANCED RECOVERY, Account Number: ********* Account Name: I C SYSTEM **** Account Number: ********* Account Name: NATIONAL CREDIT ADJUSTERS, L.L.C, Account Number: **************** Account Name: PREMIER BKCRD/FIRST PREMIER, Account Number: **************** Account Name: *********************************************, Account Number: ***************** Account Name: *******************************, Account Number: ******** Account Name: *******************************, Account Number: ******** Account ************* WIRELESS, Account Number: ************** I strongly believe that these credit reporting agencies have breached my right to privacy and have caused considerable harm to my credit report. I have tried to resolve this issue with the credit reporting agencies directly, but unfortunately, they have not taken any corrective action to address my concerns.I am hoping that you can help me in this matter and ensure that my rights are protected under the ***** I would appreciate it if you could investigate this issue and take appropriate action against Experian, Transunion, and Equifax for violating my rights.Thank you for your time and assistance in this matter.Sincerely,*************************Business Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.
For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at ************************* 75013.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer AffairsInitial Complaint
Date:03/05/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
ACCOUNT NAME - CHLD SUPRT - ACCOUNT NUMBER - ****** - EQUIFAX ACCOUNT NAME -************ - ACCOUNT NUMBER - ************ - TRANSUNION/**********************/EQUIFAX ACCOUNT NAME -************ (Original Creditor: 12 NAVY FEDERAL CREDIT UNION) - ACCOUNT NUMBER - **************** - TRANSUNION/**********************/EQUIFAX ACCOUNT NAME -FSTPROGRESS - ACCOUNT NUMBER -**************** - TRANSUNION/**********************/EQUIFAXBusiness Response
Date: 03/09/2023
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.
Sincerely,
***********************
***********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
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